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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Sharkie - V - Sainsbury's Visa ***I WON***


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I requested Statements and they were sent well within the time limit. Started my spreadsheet, however I noticed one months statement was missing, I wrote requesting the missing statement, and that they could still comply within the time limit, they have replied stating that the missing statement had not been copied to film. There may be a late payment fee on that month, do I guess as they will also not be able to check.

Sharkie

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  • 1 month later...

Have they supplied your missing statement yet?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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No they never supplied, because they stated it was never copied to film, therefore, I estimated there was a charge on it based on the balance.

 

What is the average settlement procedure with these, are they associated to Halifax.

 

Sharkie

Sharkie

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Sainsbury's Bank is a 51/49 JV between Sainsbury's and HBOS (parent company of halifax). As far as I know Halifax run the operational side of the business.

 

HTH

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Hi Thanks For You Help I Found You!!!i Put In Your Address Of 33 Holborn For The Court Claim And It Accepted. Thank You. I Also Submitted One On Friday For Argos As Well. I Still Have Lots More To Do, Barclays, Woolwich And Hfc Etc!!i Have A Couple Of Weeks Off Work So I Am Trying To Complete Them This Week. I Have Only Had The Info Since September!!! I Find The Speadsheets A Little Confussing. Probably Only Me Though As I Can Be A Bit Dense Sometimes! Have You Any Other Claims You Are Pursuing? Emma

emma:?

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No problem

 

I have Woolwich, you know that they are part of Barclays, but address everthing to Woolwich initially, I did MCOL as Barclays T/A Woolwich, start them as soon as you can, they tend to run all the way to the wire.

Also HSBC but watch HFC they have been known to play dirty, have a look at this thread http://www.consumeractiongroup.co.uk/forum/hsbc-bank/63640-hfc-bank-nightmare-return.html and just started Halifax.

 

 

glad to help

 

 

Sharkie

Sharkie

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I Just Read The Thread Regarding Hfc What A Mess!! My Account Was Closed With Them 3 Years Ago And They Only Owe Me Approx £400 So I Should Be Okay. They Were A Nightmare When I Had The Credit Agreement With Them So The Thread Did Not Suprise Me!

 

I Am Going To Tackle Another Claim Today. I Figured Try To Do One A Day As I Have Lots!

 

Emma

emma:?

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Hi, How Are You?

 

I Am Still Waiting For A Response From The Court Claim For Sainsburys And Argos. I Received A Letter Of Confirmation Stating They Have Until The 7 March.

 

I Am Now Trying To Complete The Spreadsheets For My Other Claims Ie Barclays, Woolwich Etc........i Find Them Very Confussing. I Work In An Accountants Which Is Actually Rather Embarrasing!

 

This Is How I Heard About The Consumer Action Group. How Did You Find Out About It?

emma:?

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